The Problems And Countermeasures Of Small And Micro-enterprises' Bank Financing

With the rapid development of market economy in our country, small and micro-enterprises becomes more and more important to our national economy and social development,small and micro-enterprises are accounted for about 90% of the total number of enterprises in our country, it not only promote an important force in China's economic and social development, but also have important significance for full employment, promoting innovation, social stability and social harmony. However,the small and micro-enterprises' bank financing is a timeless issue, it have become the bottleneck of small and micro-enterprises flourish. As the financial market reform deepening and the rapid development of the capital market in China,it provide a broader financing channels for large enterprises more and more.Small and micro-enterprises are the foundation industry of the people's livelihood in general, at present, it gradually decline in traditional industries, many enterprises are still in the start-up period of the development.The way of financing is banks financing,so the development of small and micro-enterprises' bank financing,cracking small and micro-enterprises' financing difficulties, promoting the small and micro-enterprises to development rapid and healthy have become a major issue need to solve.In this paper, literature research method, qualitative analysis method, case studies and other research methods were used, first of all, it analysed the bank credit business for the small and micro enterprises,including the loan conditions of small and micro-enterprises and the list of commercial bank loan products,then it analysed the characteristics of small and micro-enterprises,and took A company as an example.In this paper, it analysed the problems of bank credit and small micro-enterprise financing,especially the problems of the enterprise management,including the finiteness of the enterprise's resources and ability,backward management level, low degree of social credit and so on; the problems of the relationship between banks and enterprises and the relationship between the government and enterprises,including the lack of enthusiasm of loan financing from commercial banks to small and micro enterprises, the lack of laws and policies from government and so on.It sumsed up the causes of the small micro-enterprises' bank financing from the above.Finally, this paper proposed the strategies about how to improve small and micro-enterprises' bank financing.The key is to improve business management.They included the establishment of good faith consciousness and improving management capabilities of entrepreneurs, and the management of small and micro-enterprises in the human, financial and other aspects;it proposed to put the entrepreneur ability indicators into the evaluation system, to promote the reform of bank credit mechanism financial product innovation, to build the platform of entrepreneur ability, to increase government support measures and so on.In conclusion,this paper proposed how to crack small and micro-enterprises' financing difficulties in view of the small and micro-enterprises, banks and the government in the actual situation in our country,in-depth study of business management,it hopes to put forward new ideas to small and micro-enterprises' financing and promote the healthy development of small and micro-enterprises.